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Q2 2026 · read from the 30 June 2026 Call Report · United States · Plains · Nebraska, the state note

First National Bank of Omaha

Omaha, Nebraska · $34.20B in assets · beside the 10 other the Plains states banks over $10B (the state alone holds too few in the band to rank)

The filing

88.0%
Loans / deposits
10th of 11
11.7%
Equity / assets
2nd of 11
5.2x
Coverage of noncurrent
3rd of 11

First National Bank of Omaha is the fifth largest of the 11 the Plains states banks over $10B, with $34.20B in assets at 30 June 2026. Loans are 88.0% of deposits, 10th of 11 against a median of 72.9%, and equity is 11.7% of assets, 2nd of 11. Loans grew +6.9% in the year, 8th of 11, and deposits grew 8.8%; the cohort's median loan growth is +8.8%.

Noncurrent loans are 0.78% of the book, 7th of 11 against a median of 0.66%; 0.90% is 30 to 89 days past due, and the allowance covers them 5.2 times. Net charge-offs are 1.86% of loans, the highest in the cohort. Commercial real estate is 18.4% of loans, 6th of 11 against a median of 18.4%, and 111% of capital, below the 300% screen, with construction at 46% against the 100% screen.

Return on assets is 1.78%, 4th of 11 against a median of 1.36%, on an efficiency ratio of 48.1%, 5th of 11. Five years ago it was 2.38%. The question is which of these lines moves first over the next four quarters, and against which peer.

Loans as a share of depositsPlains states banks over $10B · 30 June 2026 · lower is stronger, listed first
median 72.9% AB Ameriprise Bank FSB 11.0% CN Citibank National Association 48.9% WF Wells Fargo Bank N.A. 63.8% UB UMB Bank National Association 68.4% CT Central Trust Bank 71.3% SB Stifel Bank 72.9% CB Commerce Bank 74.1% EB Enterprise Bank & Trust 80.8% SB Stifel Bank & Trust 86.9% FN First National Bank of Omaha 88.0% BB Bell Bank 107.0%
Loans, year over yearPlains states banks over $10B · 30 June 2026 · no better direction, largest first
median +8.8% AB Ameriprise Bank FSB +71.8% SB Stifel Bank +32.2% CB Commerce Bank +17.9% UB UMB Bank National Association +11.8% WF Wells Fargo Bank N.A. +11.5% BB Bell Bank +8.8% CN Citibank National Association +8.5% FN First National Bank of Omaha +6.9% SB Stifel Bank & Trust +6.6% EB Enterprise Bank & Trust +4.2% CT Central Trust Bank +3.3%

SBA 7(a), FY2008 to FY2026

First National Bank of Omaha is the 3rd largest 7(a) lender into Nebraska of 257, with $144M across 618 loans, 6.4% of everything approved in the state (Wells Fargo Bank National Association leads with $186M). 77 of its 109 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Nebraska, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Douglas, NE$61M2nd of 1457.0%-4.3 pts
Johnson, KS$56M7th of 1854.5%-2.4 pts
Jackson, MO$36M7th of 1833.5%-1.8 pts
Larimer, CO$20M12th of 1332.6%+0.3 pts
Weld, CO$20M9th of 1063.2%-1.2 pts
Lancaster, NE$19M6th of 835.1%-1.0 pts
Boulder, CO$18M12th of 1442.2%-3.2 pts
Sarpy, NE$15M5th of 706.1%-2.0 pts
Denton, TX$13M41st of 2240.7%+0.2 pts
Collin, TX$12M55th of 2610.5%quiet FY2020
Wyandotte, KS$12M4th of 725.9%quiet FY2021
Dallas, TX$8M107th of 3140.1%+0.1 pts
Lincoln, NE$8M2nd of 2214.3%thin
96 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services237$65M15.2%0.08%185th of 2,596
Construction155$58M13.5%0.18%88th of 2,063
Manufacturing117$48M11.1%0.12%150th of 2,246
Professional & technical services132$41M9.6%0.13%110th of 1,955
Retail trade188$39M9.1%0.06%212th of 2,589
7(a) lenders into Nebraska, share of approvals since FY2008257 lenders on record; the ten largest and First National
WF Wells Fargo Bank National Associa… 8.2% $186M · 483 loans UB Union Bank and Trust Company 7.1% $161M · 573 loans FN First National Bank of Omaha 6.4% $144M · 618 loans FS First State Bank Nebraska 6.2% $141M · 432 loans LO Live Oak Banking Company 4.4% $100M · 77 loans FI First Interstate Bank 3.8% $86M · 180 loans AB Associated Bank National Associat… 3.3% $74M · 159 loans CB Core Bank 2.4% $54M · 116 loans UB U.S. Bank, National Association 2.0% $45M · 530 loans NB Northwest Bank 1.6% $36M · 143 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
First NationalRankCohort median
Total CRE against capital, the 300% screen111%7th of 1195%
Construction against capital, the 100% screen46%9th of 1136%
Construction and land development, share of loans7.7%10th of 115.6%
Non-owner-occupied nonfarm nonresidential, share of loans8.2%6th of 118.2%
Total CRE, the guidance definition, share of loans18.4%6th of 1118.4%
CRE growth over 36 months, the third prong+26.1%9th of 10+2.3%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Citibank National Association$1976.18B1.0%51.7%0.66%1.03%2.3%48.9%8.7%
Wells Fargo Bank N.A.$1907.93B1.4%55.0%1.04%0.40%1.4%63.8%8.9%
UMB Bank National Association$71.90B1.4%51.4%0.34%0.17%1.1%68.4%10.9%
Commerce Bank$35.02B1.2%60.0%0.17%0.24%0.9%74.1%11.0%
First National Bank of Omaha$34.20B1.8%48.1%0.78%1.86%4.0%88.0%11.7%
Ameriprise Bank FSB$25.48B3.0%10.1%0.18%0.10%0.5%11.0%5.8%
Central Trust Bank$20.31B2.0%47.8%0.49%0.10%1.3%71.3%9.0%
Stifel Bank & Trust$19.62B1.9%26.9%1.09%0.41%0.6%86.9%6.8%
Enterprise Bank & Trust$17.36B1.1%61.0%0.98%0.30%1.2%80.8%11.8%
Bell Bank$15.18B0.9%70.7%0.90%0.02%1.0%107.0%9.7%
Stifel Bank$14.62B1.3%29.1%0.06%0.00%0.4%72.9%6.2%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
First NationalCohort median
20212026Change20212026Change
Loans$16.19B$24.45B+51%$11.15B$15.22B+37%
Deposits$21.79B$27.78B+27%$14.35B$23.94B+67%
NPA / loans0.55%0.78%+0.23 pts0.23%0.66%+0.43 pts
Efficiency55.0%48.1%-6.9 pts55.0%51.4%-3.6 pts
ROA2.38%1.78%-0.59 pts1.43%1.36%-0.07 pts

This read was prepared for First National Bank of Omaha's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on First National Bank of Omaha is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Plains states banks over $10B
Institution www.fnbo.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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